The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$50,005
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,561
−HK$1,580/mo
Today · 4.125%
HK$53,141
baseline
▲ 0.50% · 4.625%
HK$56,374
+HK$3,233/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$106,282/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,630
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,122
−HK$1,514/mo
Today · 4.125%
HK$58,636
baseline
▲ 0.50% · 4.625%
HK$61,727
+HK$3,091/mo
Deposit HK$10.96M · loan HK$10.96M · min. income ≈ HK$117,272/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,006
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$61,873
−HK$1,896/mo
Today · 4.125%
HK$63,769
baseline
▲ 0.50% · 4.625%
HK$67,649
+HK$3,880/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$127,538/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,756
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$68,547
−HK$1,816/mo
Today · 4.125%
HK$70,363
baseline
▲ 0.50% · 4.625%
HK$74,072
+HK$3,709/mo
Deposit HK$8.77M · loan HK$13.16M · min. income ≈ HK$140,726/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,007
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,185
−HK$2,212/mo
Today · 4.125%
HK$74,397
baseline
▲ 0.50% · 4.625%
HK$78,924
+HK$4,527/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$148,794/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,882
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,971
−HK$2,119/mo
Today · 4.125%
HK$82,090
baseline
▲ 0.50% · 4.625%
HK$86,417
+HK$4,327/mo
Deposit HK$6.58M · loan HK$15.35M · min. income ≈ HK$164,180/mo (50% DSR)
Upfront cash ≈ HK$7.51M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,009
−HK$5,645/mo
▼ 0.25% · 3.875%
HK$92,809
−HK$2,845/mo
Today · 4.125%
HK$95,654
baseline
▲ 0.50% · 4.625%
HK$101,474
+HK$5,820/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$191,308/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,134
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$102,820
−HK$2,724/mo
Today · 4.125%
HK$105,544
baseline
▲ 0.50% · 4.625%
HK$111,108
+HK$5,564/mo
Deposit HK$2.19M · loan HK$19.74M · min. income ≈ HK$211,088/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$932,009 · Scale 2, in force from 26 Feb 2026)